Poor service from Budget insurance

I have an extended motor warranty for my vehicle with budget insurance. the debit order goes through my bank account each month by budget insurance. On Monday I had a problem with my car and called the insurance, they authorised pick up of the vehicle from home to Volkswagen in Polokwane. today 7 April 2021 I received a call from a third party contracted to Budget that they will not fix my vehicle because they did no receive the November 2020 premium however Budget insurance are the ones that debit the account each month. the last debit went through 31 March 2021. there was no communication whatsoever about the November premium. now my problem is one, why would they continue to debit the account if there was a month not paid. why should Budget insurance refer me to people contracted to them, and why do I have to hear from the third party that I was not informed about by Budget regarding the Debit orders, I have authorised Budget insurance to debit my account because my policy is with them. Had I not had a claim when was I going to be informed about this? was Budget insurance going to continue to debit my account and wait for me to have a claim and tell me about an old premium that they failed to deal with. Budget was wrong to even send me to the third party because I am contracted to them and not the other company.